Terms and Conditions
1. Introduction
Welcome to group-insurance-guide.com. These Terms and Conditions (“Terms”) govern your use of our website and services provided through it. By accessing or using group-insurance-guide.com, you agree to be bound by these Terms. Please read them carefully before proceeding.
2. Definitions
– “Service” refers to the website group-insurance-guide.com and all related content, features, and offerings made available through the website.
– “User” refers to anyone who accesses, browses, or otherwise makes use of the Service.
– “Content” includes, but is not limited to, text, images, information, resources, documents, videos, and other materials available on group-insurance-guide.com.
– “Account” refers to the individualized account that may be created by a User to access certain features or materials on the Service.
3. Acceptance of Terms
By using the Service, you affirm that you have read, understood, and agreed to these Terms in their entirety. If you do not agree with these Terms, you must not use the Service.
4. Changes to Terms
We reserve the right to modify or update these Terms at any time without prior notice. Continued use of the Service after any changes constitutes acceptance of the revised Terms. Users are encouraged to review the Terms periodically.
5. Use of Services
a. Eligibility
You must be at least 18 years old to use the Service. By using group-insurance-guide.com, you represent and warrant that you meet this requirement.
b. Account
Some features of the Service may require registration and the creation of an Account. You agree to provide accurate and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your Account credentials and all activity that occurs under your Account.
c. Prohibited Activities
You agree not to:
– Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
– Engage in any activity that could disrupt or interfere with the proper functioning of the Service.
– Attempt to gain unauthorized access to other Users’ information or to the Service infrastructure.
– Copy, reproduce, scrape, or reverse engineer any portion of the Service without prior written permission.
6. Intellectual Property
All Content on group-insurance-guide.com, including but not limited to text, graphics, logos, and design elements, is the property of group-insurance-guide.com or its licensors and is protected by intellectual property laws. Users may not reuse or reproduce any Content without express written consent except for personal, non-commercial use.
7. User-Generated Content
If you submit, post, or otherwise provide content to the Service, you grant group-insurance-guide.com a non-exclusive, worldwide, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, and distribute such content in connection with the operation of the Service. You represent and warrant that you have all necessary rights to provide such content and that it does not violate any laws or third-party rights.
8. Privacy Policy
Your use of the Service is subject to our Privacy Policy, which outlines our practices with respect to the collection, use, and disclosure of personal information. Please review the Privacy Policy available on group-insurance-guide.com to understand how we handle your data.
9. Third-Party Services
The Service may include links to third-party websites or services that are not owned or controlled by group-insurance-guide.com. We do not assume responsibility for the content, policies, or practices of third-party websites. Use of such third-party services is at your own risk.
10. Disclaimers and Liability
The information on group-insurance-guide.com is provided for informational purposes only and does not constitute legal, financial, insurance, or professional advice. While we strive to keep information up to date, we make no warranties regarding the accuracy, completeness, or reliability of any content. To the fullest extent permitted by law, group-insurance-guide.com disclaims all liability for any damages arising from your use of the Service.
11. Indemnification
You agree to indemnify, defend, and hold harmless group-insurance-guide.com, its affiliates, partners, directors, and employees from any claims, liabilities, damages, losses, and expenses—including reasonable attorneys’ fees—arising from your violation of these Terms or your use of the Service.
12. Termination
We reserve the right to suspend or terminate your access to the Service at our discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other Users or group-insurance-guide.com.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which group-insurance-guide.com operates, without regard to conflict of laws principles. You agree to submit to the exclusive jurisdiction of the courts located within that jurisdiction.
14. Miscellaneous
– Entire Agreement: These Terms constitute the entire agreement between you and group-insurance-guide.com concerning the use of the Service.
– Severability: If any provision of these Terms is found to be unenforceable, the remainder of the Terms will remain valid and enforceable.
– Waiver: Any failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
15. Contact Info
For questions about these Terms, contact us at [email protected].